Energy Efficiency Loans (0.00%-6.99%)

No upfront costs! Save $ starting the first month: By taking advantage of this loan program sponsored by the CEEF (click here) offering rates from 0.00% – 6.99%, you can borrow up to $25,000 to pay for your energy upgrades like insulation, HVAC and windows – And don’t forget you may also qualify for generous REBATES (like $1.00/sq ft for insulation). You will have NO out of pocket costs and may still save money each month on your energy bills.


HES Micro Loan (for insulation customers) – 0% FINANCING – That’s right – 0% !!!

 Capital For Change (formerly known as CHIF) offers loans to finance the qualified insulation upgrades as recommended by a Home Energy Solutions ℠ Assessment. Projects of up to $3,000 qualify for an interest rate of 0% for a 3 year term. These loans are underwritten based upon your electric utility payment history, and do not require a credit report unless you have had your account for less than 6 months.

To apply for Micro Loan, please go to:

The Energy Efficiency Loans available through Capital For Change, LLC include:
  • Energy Conservation Loan (ECL) – $400-$25,000 – 0% interest for high-efficiency boilers/furnaces
  • HES Micro Loan – $1000 – $3000 – 0% interest rate for eligible improvements. (see above)
  • HES Comprehensive Loan – $3000 – $25000 – 2.99% to 6.99% interest rate options.
    2.99% bundle loan is also available for a combination of at least 2 measures
  • From $1,000 to $25,000
  • Up to a Ten-Year Term
  • No fees, no prepayment penalty
  • Unsecured, Fixed Rate Loans
  • No Home Equity needed
  • Easy, Quick Application Process
Smart-E Loans through Connecticut Green Bank:
  • Residential loan designed for CT Homeowners
  • Low-interest financing with flexible terms
  • Easy application through local lenders
    • Unsecured personal loan
  • 40+ energy improvements
  • $40,000* maximum


New England Smart Energy Groupwants to make the process of upgrading your home hassle-free and without any costs to you. After your energy-efficiency goals are determined, our HES technicians can assist you with a finance plan. Our mission is to have your savings from the energy efficiency upgrades be equal to or greater than your monthly loan payments.

After your loan is paid off (typically 1–3 years) your more energy-efficient home will keep saving you money. Lower energy bills will significantly increase the VALUE of your home – especially in today’s challenged real estate market.

Comments are closed.